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Personal Checking Accounts

Here at Citizens Bank & Trust, we offer a variety of checking accounts designed to fit your individual needs, including account options with no-fee features and benefits to make it easier for you to stay in control of your finances. Our lineup of choices can help you save on fees, protect your identity, and offer on-the-go account accessibility. So take a moment to explore our personal checking account options. Then contact your local Citizens Bank & Trust office where we are waiting to assist you with a checking account that is just right for you.

CITIZENS SECURE CHECKING

MINIMUM TO OPEN: $50

MONTHLY FEE: $5.95 or avoid the fee by maintaining a $2,500 Average Daily Balance

STATEMENT OPTIONS: Paper Copy or Electronic (E-Statement)1

ACCOUNT FEATURES & BENEFITS:

  • IDProtect® Identity Theft Protection Service2
  • Cellular Telephone Coverage3
  • Online Banking with Bill Pay Service4
  • Mobile Banking with Mobile Check Deposit Feature4
  • MasterCard® Debit/ATM Card with EMV Chip Technology5
  • Free First Order of Standard Checks
  • Free First Year 3" x 5" Safe Deposit Box Rental
  • Unlimited Check Writing
  • Eligible for Overdraft Privilege Consideration6

SENIOR SECURE CHECKING (Must be 50+ years of age)

MINIMUM TO OPEN: $100

MONTHLY FEE: $5.95 or avoid the fee by maintaining a $2,500 Average Daily Balance

STATEMENT OPTIONS: Paper Copy or Electronic (E-Statement)1

ACCOUNT FEATURES & BENEFITS:

  • IDProtect® Identity Theft Protection Service2
  • Cellular Telephone Coverage3
  • Online Banking with Bill Pay Service4
  • Mobile Banking with Mobile Check Deposit Feature4
  • MasterCard® Debit/ATM Card with EMV Chip Technology5
  • Free First Order of Standard Checks
  • Free First Year 3" x 5" Safe Deposit Box Rental
  • Unlimited Check Writing
  • Eligible for Overdraft Privilege Consideration6
  • Free Cashier's Checks
  • Free Money Orders
  • Free Notary Service

PREMIUM PLAN7 CHECKING

MINIMUM TO OPEN: $0

MONTHLY FEE: $12.00 or avoid the fee by maintaining one of the following:

  • $5,000 Combined Daily Average Balance in CB&T deposit accounts; or
  • An active Trust Account with CB&T's Trust Department; or
  • An open CB&T Line of Credit; or
  • A CB&T Loan with a $15,000 minimum outstanding balance

ADDED FEATURES & BENEFITS:

  • Earns Interest
  • IDProtect® Identity Theft Protection Service2
  • Cellular Telephone Coverage3
  • Online Banking with Bill Pay Service4
  • Mobile Banking with Mobile Check Deposit Feature4
  • No-fee MasterCard® Debit/ATM Card with EMV Chip Technology5
  • Free Premium Plan Checks
  • Free First Year 3" x 5" Safe Deposit Box Rental
  • Unlimited Check Writing
  • Eligible for Overdraft Privilege Consideration6
  • Free Cashier's Checks
  • Free Money Orders
  • Free Notary Service

Effective Date 11/02/2015
All products, services, fees and terms outlined above may change from time to time, either at our discretion, or due to changes in federal requirements.
See a Customer Service Representative for further details, rates, terms, eligibility requirements, restrictions, overdrafts, interest, and other information, including Federal and State rules and regulations.

Disclosures

CB&T refers to Citizens Bank & Trust. See New Account Agreement, Truth in Savings Disclosures, and Schedule of Fees for additional details and restrictions.

1 No charge for E-Statements, which require Online Banking registration, E-Statement request, and consent.

IDProtect® Service is a personal identity theft protection service available to personal Secure Checking account owners, their joint account owners and their eligible family members. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. See New Account Agreement and Welcome Kit for further details and information.

Cellular Telephone Coverage - Please see Guide to Benefit for additional details regarding eligibility, terms, and exclusions. Cellular telephone bill must be paid from this Secure Checking account to be eligible for benefit.

Insurance products are not insured by the FDIC or any Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

Online Banking Enrollment required for Online Banking, Bill Pay Service, and Mobile Banking Features. Mobile Check Deposit feature may not be available on all platforms. Your Internet Service provider and/or mobile carrier’s message and data rates may apply.

5 ATM fees may be incurred for each transaction, including balance inquiries, when you use your CB&T ATM card at non-CB&T ATMs. Additional ATM fees may be charged at non- CB&T ATMs by the ATM Owner.

Premium Plan Checking Accounts Only – No CB&T fee for use at CB&T or non-CB&T ATMs. ATM fees levied by a non-CB&T ATM Owner will be reimbursed monthly.

An Overdraft may occur by check, in-person withdrawal, ATM withdrawal, or other electronic means. ATM withdrawals and one-time debit card transactions will only be paid if you inform us that you wish to select Extended Coverage. Even then, whether your overdraft(s) will be paid is discretionary and we reserve the right not to pay. Overdraft Item Fee accessed per overdrawn item. Accounts are not charged for overdrafts resulting in a negative balance of $3.00 or less. See Schedule or Fees and Truth in Savings New Account Disclosures for details regarding fees, Consumer account daily maximum overdraft fees, account terms, and conditions.

7 Premium Plan Checking - Account interest is calculated using the Daily Balance Method, which applies a daily periodic rate to the principal in the account each day. Account interest is compounded and credited monthly.

Easy Access

Our Mobile Banking Services provide 24/7 access to your Citizens Bank & Trust accounts through your tablet or smartphone. This gives you the ability to conveniently pay your bills, check your balances, make transfers, deposit checks and much more while on the go.